BlastPoint's Banking Scorecard

Rollstone Bank & Trust

$100M-$1B Specialty: Commercial MA FDIC cert 17797

Fitchburg, MA

8 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
Deposits -4.1% year over year ($677.3M on the books).
Delinquency rate 0.20%.
Return on assets 0.07%.
Efficiency ratio 99.08% vs a 64.48% peer average.
Loan-to-deposit ratio 84.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

Rollstone Bank & Trust has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.9% in tier
- Deposit Outflow: Bottom 26.0% in tier
- Return on Assets 1.25% below tier average
- Net Interest Margin 1.98% below tier average
- Efficiency Ratio 34.61% above tier average

Get updates when Rollstone Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$816.3M -12.3% YoY -2.4% QoQ	+$429.8M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 7.2% in tier
Total Loans ?	$573.4M -12.9% YoY -1.9% QoQ	+$315.1M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 7.1% in tier
Total Deposits ?	$677.3M -4.1% YoY -1.0% QoQ	+$350.5M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 8.1% in tier
Return on Assets ?	0.07% +130.6% YoY +12.0% QoQ	-1.25%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 4.0% in tier
Net Interest Margin ?	2.00% +30.1% YoY +0.9% QoQ	-1.98%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 0.9% in tier
Efficiency Ratio ?	99.08% -12.3% YoY -0.8% QoQ	+34.61%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 2.4% in tier
Delinquency Rate ?	0.20% +80.5% YoY +121.4% QoQ	-0.72%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	84.67% -9.2% YoY -1.0% QoQ	+6.72%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	13.89% -3.1% YoY +4.2% QoQ	-8.14%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.14% +79.4% YoY +122.4% QoQ	-0.53%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	13.47% +4.9% YoY +1.6% QoQ	-2.44%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.24% +26.0% YoY +114.9% QoQ	-0.33%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	13.9% -0.4pp YoY +0.6pp QoQ	-8.3pp	22.1%	16.2%	22.2%	20%
Brokered Deposits	14.9% -4.4pp YoY +0.1pp QoQ	+7.0pp	7.9%	6.1%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	4.3% +0.2pp YoY +0.2pp QoQ	-7.2pp	11.6%	6.5%	12.5%	16%
CRE	67.0% -2.2pp YoY -0.4pp QoQ	+27.5pp	39.5%	40.3%	41.4%	91%
1-4 Family	28.7% +2.8pp YoY +0.2pp QoQ	-4.0pp	32.6%	52.4%	31.3%	48%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	1.6%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	13.5% +0.6pp YoY +0.2pp QoQ	-5.4pp	18.8%	16.6%	19.7%	34%
Leverage Ratio	10.1% +0.6pp YoY +0.2pp QoQ	-2.0pp	12.2%	11.5%	12.6%	34%
Total Capital Ratio	14.3% +0.6pp YoY +0.2pp QoQ	-5.7pp	19.9%	17.5%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	90 -8 (-8.2%) YoY +10 (+12.5%) QoQ	+31	58	755	482	82%
Assets per Employee ($)	$9.1M -4.6% YoY -13.2% QoQ	+$1.6M	$7.5M	$10.7M	$8.8M	80%
Branch Count	8 0 YoY 0 QoQ	+3	4	13	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	4.50x -46.9% YoY -54.4% QoQ	-19.65x	24.15x	7.95x	20.23x	68%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	0.9% +4.0pp YoY +0.1pp QoQ	-11.3pp	12.2%	5.6%	11.6%	4%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.7%	2.0%	1.7%	88%
Net Income ($, YTD)	$306,000 +127.6% YoY — QoQ	-$2.2M	$2.6M	$31.7M	$40.4M	7%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#238 of 1256 • Bottom 18.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Deposit Outflow

decline

#140 of 535 • Bottom 26.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

189

Total Loans

size

Value: $573.43M

Peer Median: $258.35M

#189 of 2643 Top 7.1% in $100M-$1B

190

Total Assets

size

Value: $816.33M

Peer Median: $386.57M

#190 of 2643 Top 7.2% in $100M-$1B

215

Total Deposits

size

Value: $677.26M

Peer Median: $326.73M

#215 of 2643 Top 8.1% in $100M-$1B

Top Weaknesses (4 metrics)

2621

Net Interest Margin

profitability

Value: 2.00%

Peer Median: 3.99%

#2621 of 2643 Bottom 0.9% in $100M-$1B

2580

Efficiency Ratio

profitability

Value: 99.08%

Peer Median: 64.48%

#2580 of 2643 Bottom 2.4% in $100M-$1B

2539

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.32%

#2539 of 2643 Bottom 4.0% in $100M-$1B

2102

Non-Interest-Bearing Deposit Share

funding

Value: 13.89%

Peer Median: 22.03%

#2102 of 2643 Bottom 20.5% in $100M-$1B